Banking systems controlled by data bearing records

Abstract

A computing platform may receive, from one or more cash handling devices, aggregated activity information comprising a plurality of transaction records. Subsequently, the computing platform may identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records. Based on identifying the one or more deposit transactions, the computing platform may generate one or more account credit commands, which may direct at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions. Subsequently, the computing platform may send, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions.

What is claimed is: 
     
       1. A computing platform, comprising:
 at least one processor; 
 a communication interface communicatively coupled to the at least one processor; and 
 memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, and from one or more cash handling devices configured to be used by one or more non-consumer treasury clients of a financial institution, aggregated activity information comprising a plurality of transaction records; 
 identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; 
 based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generate one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions; 
 send, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions; 
 receive, via the communication interface, from a client computing device configured to be used by a non-consumer treasury client of the financial institution, a request for a client management portal; 
 based on receiving the request for the client management portal from the client computing device, provide, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices; 
 receive, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface; and 
 send, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings. 
 
 
     
     
       2. The computing platform of  claim 1 , wherein the plurality of transaction records received from the one or more cash handling devices comprises information identifying, for each transaction, a specific user who performed the transaction, an amount of currency involved in the transaction, a time at which the transaction occurred, and a specific cash handling device on which the transaction was performed. 
     
     
       3. The computing platform of  claim 2 , wherein receiving the aggregated activity information comprises:
 receiving, via the communication interface, and from a first cash handling device of the one or more cash handling devices, first activity information comprising a first plurality of transaction records associated with transactions performed by the first cash handling device; and 
 receiving, via the communication interface, and from a second cash handling device of the one or more cash handling devices, second activity information comprising a second plurality of transaction records associated with transaction performed by the second cash handling device. 
 
     
     
       4. The computing platform of  claim 3 , wherein the first cash handling device is located at a first deployment location, and the second cash handling device is located at a second deployment location different from the first deployment location. 
     
     
       5. The computing platform of  claim 4 , wherein the first deployment location is a retail banking center operated by the financial institution, and the second deployment location is a shopping mall in which a plurality of retailers operate retail stores. 
     
     
       6. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 generate a client alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and 
 send, via the communication interface, to the client computing device, the client alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices. 
 
     
     
       7. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 generate an internal alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and 
 send, via the communication interface, to an administrative computing device, the internal alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices. 
 
     
     
       8. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 evaluate a currency level indicative of an amount of currency stored in a first cash handling device of the one or more cash handling devices; 
 identify a restocking need based on evaluating the currency level indicative of the amount of currency stored in the first cash handling device of the one or more cash handling devices; 
 based on identifying the restocking need, generate a restocking request, the restocking request directing a transport agent to restock the first cash handling device of the one or more cash handling devices; and 
 send, via the communication interface, to a transport computer system, the restocking request directing the transport agent to restock the first cash handling device of the one or more cash handling devices. 
 
     
     
       9. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, from an administrative computing device, a request for an administrative portal; 
 based on receiving the request for the administrative portal, provide, via the communication interface, to the administrative computing device, at least one administrative interface; 
 receive, via the communication interface, from the administrative computing device, administrative configuration input defining one or more administrative configuration settings for at least one cash handling device of the one or more cash handling devices, the administrative configuration input being received by the administrative computing device via the at least one administrative interface; and 
 send, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, administrative configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more administrative configuration settings. 
 
     
     
       10. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 generate one or more reports based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and 
 provide, via the communication interface, to at least one computing device, the one or more reports generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices. 
 
     
     
       11. The computing platform of  claim 1 , wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
 receive, via the communication interface, from an administrative computing device, reconciliation information associated with at least one deposit transaction completed at the one or more cash handling devices; 
 based on receiving the reconciliation information associated with the at least one deposit transaction completed at the one or more cash handling devices, generate one or more account update commands, the one or more account update commands directing the at least one account management computer system to convert at least one previously-applied provisional credit to non-provisional credit; and 
 send, via the communication interface, to the at least one account management computer system, the one or more account update commands directing the at least one account management computer system to convert the at least one previously-applied provisional credit to non-provisional credit. 
 
     
     
       12. A method, comprising:
 at a computing platform comprising at least one processor, memory, and a communication interface:
 receiving, by the at least one processor, via the communication interface, and from one or more cash handling devices configured to be used by one or more non-consumer treasury clients of a financial institution, aggregated activity information comprising a plurality of transaction records; 
 identifying, by the at least one processor, one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; 
 based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generating, by the at least one processor, one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions; 
 sending, by the at least one processor, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions; 
 receiving, by the at least one processor, via the communication interface, from a client computing device configured to be used by a non-consumer treasury client of the financial institution, a request for a client management portal; 
 based on receiving the request for the client management portal from the client computing device, providing, by the at least one processor, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices; 
 receiving, by the at least one processor, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface; and 
 sending, by the at least one processor, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings. 
 
 
     
     
       13. The method of  claim 12 , wherein the plurality of transaction records received from the one or more cash handling devices comprises information identifying, for each transaction, a specific user who performed the transaction, an amount of currency involved in the transaction, a time at which the transaction occurred, and a specific cash handling device on which the transaction was performed. 
     
     
       14. The method of  claim 13 , wherein receiving the aggregated activity information comprises:
 receiving, via the communication interface, and from a first cash handling device of the one or more cash handling devices, first activity information comprising a first plurality of transaction records associated with transactions performed by the first cash handling device; and 
 receiving, via the communication interface, and from a second cash handling device of the one or more cash handling devices, second activity information comprising a second plurality of transaction records associated with transaction performed by the second cash handling device. 
 
     
     
       15. The method of  claim 14 , wherein the first cash handling device is located at a first deployment location, and the second cash handling device is located at a second deployment location different from the first deployment location. 
     
     
       16. The method of  claim 15 , wherein the first deployment location is a retail banking center operated by the financial institution, and the second deployment location is a shopping mall in which a plurality of retailers operate retail stores. 
     
     
       17. The method of  claim 12 , comprising:
 generating, by the at least one processor, a client alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and 
 sending, by the at least one processor, via the communication interface, to the client computing device, the client alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices. 
 
     
     
       18. The method of  claim 12 , comprising:
 generating, by the at least one processor, an internal alert message based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; and 
 sending, by the at least one processor, via the communication interface, to an administrative computing device, the internal alert message generated based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices. 
 
     
     
       19. One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:
 receive, via the communication interface, and from one or more cash handling devices configured to be used by one or more non-consumer treasury clients of a financial institution, aggregated activity information comprising a plurality of transaction records; 
 identify one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices; 
 based on identifying the one or more deposit transactions based on the aggregated activity information comprising the plurality of transaction records received from the one or more cash handling devices, generate one or more account credit commands, the one or more account credit commands directing at least one account management computer system to apply one or more provisional credits to one or more treasury accounts associated with the one or more deposit transactions; 
 send, via the communication interface, to the at least one account management computer system, the one or more account credit commands directing the at least one account management computer system to apply the one or more provisional credits to the one or more treasury accounts associated with the one or more deposit transactions; 
 receive, via the communication interface, from a client computing device configured to be used by a non-consumer treasury client of the financial institution, a request for a client management portal; 
 based on receiving the request for the client management portal from the client computing device, provide, via the communication interface, to the client computing device, at least one client management interface, wherein providing the at least one client management interface to the client computing device comprises providing a graphical user interface to the client computing device comprising one or more controls enabling a user of the client computing device to define one or more client-specific settings for at least one cash handling device of the one or more cash handling devices; 
 receive, via the communication interface, from the client computing device, configuration input defining one or more configuration settings for at least one cash handling device of the one or more cash handling devices, the configuration input being received by the client computing device via the at least one client management interface; and 
 send, via the communication interface, and to the at least one cash handling device of the one or more cash handling devices, configuration information directing the at least one cash handling device of the one or more cash handling devices to implement the one or more configuration settings.